Terms and Conditions

(a) In these Terms of Use, “we”, “us” and “our” means ALG Pty Ltd (ABN 80 695 606 725) of SE 105 L 1 477 Pitt St, Haymarket NSW 2000, Australia, t/a ComplAI. Please read these Terms of Use carefully as they apply to your use of the ‘ComplAI’ web-based application, and its associated website (https://www.complaico.com/), including any content on the web-based application or website (collectively, the App). By accessing or using the App you agree to be bound by these Terms of Use. (b) We may revise these Terms of Use from time to time, and we will provide you with at least 30 days’ notice prior to such revisions taking effect when we do so (unless we are unable to provide such or any prior notice where such revisions are required for us to comply with applicable laws). We will display a notice on the App indicating when any such revisions have been made. If the revision is a Detrimental Change (as defined in clause 6(a)) with which you do not wish to agree, you can cancel your subscription at any time in accordance with clause 6(a).

2.1 Registration (a) You are required to register to use the App. You must be at least 18 years of age to register. (b) When you register to use the App, you may enter a user name and password which is personal to you. You must ensure that your registration details are true and accurate at all times. You may change your password at a later stage. (c) You must keep any user name and password that you select private and confidential, and not disclose them to any other person. If you have lost or forgotten your password, or you have reason to suspect any unauthorised use of your password, you must immediately reset your password on the App. (d) You acknowledge and agree that we are entitled to treat the actions of any person who accesses and uses your account using your password as being authorised by you. We are not liable for any loss or damage which you incur to the extent such loss or damage would not have been incurred had you used a complex password and utilised all security features of the App. 2.2 General Restrictions In using the App, you must not: (a) knowingly provide us with inaccurate or incomplete information or information that you reasonably ought to know is inaccurate or incomplete, or impersonate any person or entity; (b) violate any applicable laws, regulations, or use the App for any purpose that is unlawful or would constitute a breach of regulatory requirements applicable to you or your organisation; (c) knowingly distribute viruses, spyware, corrupted files, or any other similar software or programs that may damage the operation of any mobile, smart device or computer hardware or software; (d) send spam or similar unsolicited messages or communications; (e) breach, interfere or attempt to interfere with any requirements, procedures, policies, or regulations of any network services provider; (f) attempt to gain unauthorised access to any portion of the App, other accounts, computer systems or networks connected to the App; (g) reverse engineer, decompile, or attempt to extract the source code of the App or any compliance algorithms or proprietary methodologies; (h) use the App to create a competitive product or service; or (i) engage in any other conduct that inhibits any other person from using or enjoying the App. 2.3 Support (a) Whilst we endeavour to make the App available at all times, your access to the App may be affected by network or equipment capacity, connection availability, scheduled or unscheduled downtime for maintenance or development purposes, interruptions which generally affect the internet, updates to regulatory data sources, or other reasons referred to in paragraph (d). If interruptions or errors occur due to circumstances within our control, we will try to resolve them in a timely way in order to restore your access. (b) If you experience any technical problems, you must make all reasonable efforts to investigate and diagnose such problems before contacting us. If you still need technical help, please check the support provided on the App, or failing that, submit a support request via www.complaico.com. (c) We may monitor your use of the App at any time without notice, but we are not required to do so. (d) We may also temporarily limit or suspend your access to the App, with immediate effect, where it is reasonably necessary, including for security, maintenance or public safety reasons, if you exceed any acceptable use or other limits notified to you in the App, if there are updates required to regulatory data sources, or if there are interoperability, data protection or other operational or technical reasons, and where practicable, we will notify you in advance. We will reinstate your access to the App as soon as reasonably possible after the circumstances giving rise to the limitation or suspension have been rectified. If we suspend access under this paragraph for reasons not caused by you for more than 1 day in any month, you may seek a pro-rated refund or credit of fees paid. 2.4 Changes to the App You acknowledge that the App is provided under a software-as-a-service model and we may from time to time vary, modify or discontinue, temporarily or permanently, the App, including the features and/or functionality of the App, regulatory frameworks and jurisdictions covered, third-party regulatory data sources, and adding or removing the availability of integrations with Third Party Services (as defined in clause 3(a)). This may be required to address things like security or regulatory compliance, to reflect changes in applicable laws and regulations, to incorporate updated regulatory guidance, or to otherwise evolve or improve the overall service, or where we enter into or exit an agreement with the provider of a Third Party Service or regulatory data provider. We will provide you with at least 30 days prior notice when we do so, except if an urgent change is required to address security or regulatory concerns, in which case we will provide you as much notice as is practicable. If the change is a Detrimental Change (as defined in clause 6(a)) with which you do not wish to agree, you may cancel your subscription in accordance with clause 6(a).

(a) To use the App’s features, you may need to authorise the App to integrate with and/or access your document management, storage, communication, identity, regulatory information databases, and other services or platforms provided by third parties, and your corresponding accounts and data (Third Party Services). We do not control and are not responsible for Third Party Services, their availability, performance, security, data handling, accuracy of regulatory information, terms, policies, or practices. Your use of Third Party Services is governed by their terms and privacy policies, and you are responsible for complying with them. (b) The App ingests the content of compliance policies and procedures, regulatory requirements and frameworks, organisational data and documentation, risk assessments, compliance records, and also processes any prompts or other content that you input into the App (User Content). (c) When you authorise the App to connect to a Third Party Service, you grant us permission to connect to and ingest and access User Content from that Third Party Service and when authorised or enabled by you, to send communications or data via that Third Party Service. The App’s ability to ingest or access User Content from Third Party Services may be subject to or limited by our ability to integrate with the Third Party Service, and to any data use restrictions, data use, fair use or acceptable use policies or similar imposed by the provider of the Third Party Service, which are out of our control and may impact your ability to use the App as intended in relation to the relevant Third Party Service. (d) You are solely responsible for obtaining any required consents and authorisations required from any persons whose data or information is processed through the App in the manner described in these Terms of Use. You must not use the App in a manner that violates any terms governing Third Party Services or any applicable laws or rights of others. (e) You must not provide or allow to be ingested into or accessed by the App any User Content that: (i) infringes the intellectual property or other rights of another person; (ii) contains personal information (as defined in the Privacy Act 1988 (Cth)) processed in violation of applicable privacy laws; (iii) is sensitive information (as defined in the Privacy Act 1988 (Cth)) about a person other than you, unless you have appropriate consent; (iv) is defamatory, offensive, abusive, pornographic, profane or otherwise unlawful, including material that racially or religiously vilifies, incites violence or hatred, or is likely to insult or humiliate others based on race, religion, ethnicity, gender, age, sexual orientation or any physical or mental disability; (v) would harm, abuse, harass, stalk, threaten or otherwise offend; (vi) relates to unlawful conduct or illegal business activity, would breach any applicable laws, or would otherwise result in civil or criminal liability for you, us or any third party; (vii) creates a privacy or security risk to any person; (viii) is designed to unlawfully intercept or interfere with any communication; (ix) solicits money from any person; (x) is false, misleading or deceptive, particularly in a compliance or regulatory context; (xi) would reflect negatively on us, including our goodwill, name and reputation; (xii) tampers with, hinders the operation of, or makes unauthorised modifications to the App; (xiii) relates to unlawful conduct, would breach any applicable laws, or would otherwise result in civil or criminal liability for you, us or any third party; (xiv) would breach any applicable laws or cause us to be in breach of any applicable laws; or (xv) would otherwise result in civil or criminal liability for you, us or any third party. (f) By providing any of User Content or allowing the App to ingest or access User Content, you: (i) grant us a non-exclusive, worldwide, royalty-free, licence during the term of your subscription (including a right of sublicence) to use, store, transmit, copy, adapt, publish, display, modify, de-identify, analyse, translate, create derivative works from and otherwise do and authorise the doing of all acts comprised in the copyright in User Content in any form or on any medium, for the purposes set out in our privacy policy, and for the purpose of: (A) providing, modifying or improving the App; (B) subject to paragraph (g) below, training, developing and improving models, algorithms, compliance rules engines, and regulatory interpretation capabilities used in connection with the App (Model Enhancement); (C) acting in accordance with your instructions, including with respect to integrated third party services; and (D) complying with law and operating our and our related body corporate’s business; and (ii) warrant that you have the right to grant such licence. (g) When we use User Content for the purposes of Model Enhancement we will do so strictly in accordance with the following: (i) content marked as confidential, containing sensitive regulatory information, or relating to your specific compliance assessments, findings, or internal policies is only used for Model Enhancement for you in connection with your use of the App, and not for any other users or our business more broadly; and (ii) only de-identified, aggregated, non-confidential content is used for Model Enhancement for the benefit of all users or our business more broadly, and such use does not reveal any specific compliance issues, findings, or proprietary methodologies of your organisation. You may opt-out, using functionality in the App, of use of User Content for this purpose, but note that we will still retain and use basic feedback you provide us (e.g., “thumbs up/down” on outputs) and may use aggregated platform usage statistics. (h) You will indemnify and hold us (including any of our directors, officers, employees and contractors) harmless from and against any claim, loss, expense or liability suffered or incurred by us, arising directly out of or in connection with any claim made against us by any third party arising out of our use of User Content in accordance with these Terms of Use, including that such use infringes their intellectual property rights, provided that your liability under this indemnity will be proportionately reduced to the extent we cause or contribute to the relevant claim, loss, expense or liability. (i) User Content retention: • Compliance-related User Content is retained for a minimum of 7 years from creation or as required by applicable regulations, whichever is longer, unless you specify otherwise in the App • You may export your User Content at any time using App tools • Upon account cancellation, User Content is retained for 90 days to allow for data export and transition, then permanently deleted unless subject to legal hold or regulatory retention requirements • You may delete specific User Content from the App at any time, subject to regulatory retention requirements

(a) In these Terms of Use, Outputs means any content generated or suggested by the App. During the free Trial, Outputs are limited to regulatory update alerts and key impact summaries. For paid subscription users of the full product, Outputs additionally include compliance assessments and gap analyses, regulatory requirement mappings, risk scores and compliance ratings, control recommendations, policy templates and drafts, audit reports and compliance documentation, organisational impact analyses, redlined document drafts, compliance workflow suggestions, and remediation plans. (b) NOT LEGAL ADVICE — INDEPENDENT ADVICE REQUIRED The App uses artificial intelligence and machine learning to read, analyse, and process User Content and to generate Outputs. THE APP DOES NOT PROVIDE LEGAL ADVICE, COMPLIANCE ADVICE, FINANCIAL PRODUCT ADVICE, OR ANY OTHER FORM OF PROFESSIONAL ADVICE, AND MUST NOT BE USED AS A SUBSTITUTE FOR SUCH ADVICE. ALG Pty Ltd t/a ComplAI is not a legal practitioner, law firm, Australian Financial Services licensee, or registered compliance professional. ComplAI has not been authorised by the Law Society of New South Wales, the Law Institute of Victoria, or any other legal professional body to provide legal services. ComplAI does not hold an Australian Financial Services Licence (AFSL) and does not provide financial product advice as defined under the Corporations Act 2001 (Cth). Accordingly, the App and its Outputs are not, and cannot be, a substitute for independent legal advice from a qualified solicitor, or independent compliance or regulatory advice from an appropriately qualified professional. You must obtain independent professional advice before acting on, relying upon, or implementing any Output. You acknowledge and agree that: (i) Independent Professional Review Mandatory: All Outputs must be independently reviewed, verified, and validated by a qualified legal practitioner, licensed compliance professional, or other appropriately qualified expert before implementation or reliance. This obligation is non-negotiable and cannot be excluded or limited by agreement. No Output should be acted upon, published, submitted to a regulator, or otherwise relied upon without such independent professional review. Where an Output relates to a matter regulated by ASIC, APRA, AUSTRAC, AHPRA, TGA, AER, or any other regulatory body, you must seek specific independent advice from a professional with expertise in the relevant regulatory regime; (ii) No Guarantee of Accuracy: Outputs may inadvertently replicate any errors, inaccuracies, biases in any User Content or regulatory data sources used to generate them. The use of artificial intelligence or machine learning to generate Outputs also means that they may contain errors or be inaccurate, incomplete, misleading, inappropriate, outdated, or otherwise unreliable and may not reflect your specific circumstances, obligations, or regulatory interpretations applicable to you; (iii) Not Legal, Compliance, or Financial Product Advice: Outputs do not constitute legal advice, compliance advice, financial product advice, regulatory guidance, or any other form of professional services. The App provides information and automation tools to assist your compliance workflows but does not, and cannot, replace the exercise of independent professional judgment by a qualified legal practitioner, compliance professional, or other expert. The Outputs do not constitute the provision of ‘personal advice’ or ‘general advice’ as those terms are defined in the Corporations Act 2001 (Cth) and Corporations Regulations 2001 (Cth), nor do they constitute ‘legal advice’ as that term is understood at common law and under the professional conduct rules of Australian legal professional bodies. Any regulatory change alerts, impact analyses, document redlines, or compliance assessments generated by the App are informational tools only. They may not reflect current law, applicable regulatory interpretations, your specific legal obligations, or the particular circumstances of your organisation. You must seek independent advice from a qualified solicitor or licensed compliance professional before acting on any Output; (iv) Your Responsibility: You remain solely responsible for: • Your organisation’s compliance with all applicable laws and regulations • Interpreting and applying regulatory requirements to your specific circumstances • Making final compliance decisions • Implementing and maintaining effective compliance programs • Ensuring accuracy and completeness of all compliance submissions and filings • Monitoring regulatory changes and their impact on your organisation (v) Regulatory Complexity: Compliance requirements are complex, jurisdiction-specific, and subject to interpretation. The same regulation may apply differently based on your industry, business model, geographic location, and specific activities. You must carefully review and verify all Outputs before using, relying on, sharing, or implementing them. (c) Accordingly, to the extent permitted by law, we do not: (i) give you any assurances that any Outputs will meet your compliance requirements, be suitable for your purposes, or result in regulatory compliance; or (ii) accept responsibility for regulatory penalties, fines, enforcement actions, loss suffered as a result of your reliance on the content of Outputs, or other consequences arising from reliance on Outputs. (d) Regulatory Change Notifications: While the App may provide alerts about regulatory changes, you remain responsible for monitoring regulatory developments and assessing their impact on your organisation. Not all regulatory changes may be captured, and timing of notifications may vary. (e) The App may allow you to search User Content. Search results and prioritisation are probabilistic and may be incomplete or incorrect. Information may be misclassified, omitted, or surfaced out of context. You remain responsible for reviewing your compliance information and should not rely solely on the App to identify important, urgent, or time-sensitive compliance matters. (f) While the App may help generate compliance documentation and evidence, you are responsible for ensuring such materials meet the standards required by applicable regulators and auditors.

(a) The App is subject to copyright and possibly other intellectual property rights. (b) We grant you a limited, non-transferable licence to access and use the App solely for your personal or internal business compliance purposes. (c) We do not assert ownership of Outputs, other than where our content, methodologies, or templates are included in your Outputs. However, Outputs may be based on or incorporate publicly available regulatory content, our proprietary interpretations, and may be similar to Outputs generated for other users. (d) You can use Outputs for your internal compliance purposes, subject to these Terms of Use. You may not: • Resell or redistribute Outputs to third parties as a service • Use Outputs to create competing products or services • Extract or reverse engineer compliance methodologies or rule sets from Outputs • Publicly represent Outputs as your own proprietary methodologies (e) Outputs may be similar to content generated for others and may inadvertently reproduce elements from training data, regulatory sources, or inputs. We do not screen Outputs for these considerations, but you should ensure that Outputs you elect to share with third parties comply with law and do not infringe the rights of any third party. We make no representation that Outputs are unique. (f) We (or our licensors) retain all right, title, and interest in and to the App, including all software, algorithms, compliance rules engines, regulatory databases, methodologies, and documentation, and nothing you do on or in relation to the App will transfer any intellectual property rights to you or (except for the licence referred to in paragraph (b)) permit you to exercise any intellectual property rights unless this is expressly stated. (g) We will indemnify you and hold you (including any of your directors, officers, employees and contractors) harmless from and against any claim, loss, expense or liability suffered or incurred by you, arising directly out of any claim made against you by any third party that your use of the App (excluding any Outputs) in accordance with these Terms of Use infringes their intellectual property rights, provided that our liability under this indemnity will be proportionately reduced to the extent you cause or contribute to the relevant claim, loss, expense or liability. (h) Except as provided in these Terms of Use, any use or copying of the App or information or content related to the App for any other purpose is expressly prohibited, unless prior written consent is obtained from us. You may submit a request via www.complaico.com if you wish to seek such consent. (i) You must not do any of the following, and you must not allow or permit any other person to do the following: (i) copy, modify or create a derivative work from, reverse engineer, reverse assemble or otherwise attempt to discover any source code of or in connection with the App; (ii) sell, assign, sublicense, grant a security interest in or otherwise transfer any right in or to the App; (iii) use or refer to the App in developing any competitive good or service; or (iv) extract or scrape regulatory databases, compliance rules, or other proprietary content from the App. (j) You grant us a worldwide, perpetual, irrevocable, royalty-free licence to use and incorporate into the App any suggestion, enhancement request, recommendation, correction or other feedback you provide to us or any of our personnel relating to or in connection with your use of the App.

(a) You may cancel your registration for any reason at any time by following the prompts in the App. Such cancellation will take effect: (i) immediately if you notify us that you are cancelling due to the occurrence of either or both of: (A) any revision to these Terms of Use that is detrimental to you or which imposes additional obligations upon you; or (B) any change to the App which removes a feature or function that you had access to before the change, including removing the ability to integrate with any Third Party Service, removes coverage of a regulatory framework material to your compliance requirements, or places a new restriction on your use of the App, which in each case is required by us and to which you do not wish to agree (being a Detrimental Change). In such case, you will be entitled to a pro rata refund of any subscription fees you have paid in respect of the period following such cancellation; or (ii) in any other circumstance, at the end of the then-current subscription period, although you can cease use of the App at any time. Before cancellation takes effect, you should export any User Content or Outputs you wish to retain using the App’s export tools. (b) You may disconnect any Third Party Service from the App at any time if you no longer wish for the App to ingest or access User Content from such Third Party Service, but if you do so you will no longer be able to use the App’s functionality in connection with that Third Party Service. (c) We may immediately suspend or cancel your registration, either temporarily or permanently, if you breach any of these Terms of Use. If we suspend your use of the App or cancel your registration, you must cease accessing and using the App and, in the case of cancellation, these Terms of Use will be terminated, including the licence granted to you in section 5(b). (d) We may cancel your subscription and access to the App at any time by giving you at least 90 days prior notice if, in our sole discretion, continuing to provide the App to you is no longer commercially viable or we otherwise discontinue the App. If we do so, we will refund to you any fees paid in advance for unused periods. (e) Upon cancellation of your registration: • User Content will be retained for 90 days to allow for data export and transition • After 90 days, User Content will be permanently deleted unless subject to legal hold or regulatory retention requirements (minimum 7 years for compliance-related content) • We may retain anonymized, aggregated usage data that does not identify you or your organisation (f) You may also delete any of User Content from the App at any time by following the prompts in the App, subject to regulatory retention requirements. We will not retain any of User Content that you delete from the App and we are not in any way responsible for any loss of User Content, or any other loss or damage, arising from or in connection with your deletion of User Content.

7.1 Free Trial (a) We offer a free three-month trial of the Regulatory Update Alerts feature of the App (the “Trial”). During the Trial, you will receive regulatory update alerts with a key impact summary for your selected industry and entity type. The Trial does not include the full ComplAI product, which additionally provides organisational impact analysis, redlined document drafts ready for review, and built-in risk and governance tools for continuous obligation monitoring, scoring and audit-readiness. (b) No credit card or payment details are required to register for the Trial. The Trial is provided free of charge for three months from the date of registration, or such other period as notified to you at signup. (c) At the end of the Trial period, your access to the Regulatory Update Alerts feature will cease automatically. No subscription fees will be charged and no automatic conversion to a paid subscription will occur. At the end of the Trial, you will be given the opportunity to: (i) request an extension of the Trial period, subject to our approval; or (ii) join the waitlist for the full ComplAI product. We will contact you using the details provided at registration to notify you of your options and, where applicable, availability of the full product and applicable subscription pricing. (d) During the Trial, you are permitted to access and use the Regulatory Update Alerts feature of the App in accordance with these Terms of Use and all applicable laws. All other provisions of these Terms of Use apply to your use of the App during the Trial, except that clauses 7.2 and 7.3 (Subscription Fees and Changes to Fees) do not apply during the Trial period. 7.2 Subscription Fees (a) Except for any free trial period, you must pay for the App in the manner specified in these Terms of Use and as described on the App. Unless otherwise expressly stated in the App, all fees are: (i) in Australian Dollars and inclusive of GST; (ii) payable in advance, commencing on the date of your registration and each monthly or yearly anniversary thereafter (based on the subscription period you select when registering or as nominated by you in the App after that time); and (iii) non-refundable (unless otherwise specified in these Terms of Use). (b) We will notify you prior to the end of your chosen subscription period ending that your subscription will automatically renew for a further subscription period of the same length and of the subscription fee you will be charged unless you cancel before your current subscription period ends. We will notify you at least 30 days prior to the auto-renewal date. If you are on an annual subscription we will also notify you a second time not less than 10 days prior to the auto-renewal date. If you do not cancel your subscription before your current subscription period ends, your subscription will automatically renew and you will automatically be charged and invoiced the notified subscription fee for the renewed subscription period. If you are subscribed to an annual subscription and you cancel within 30 days after your subscription last auto-renewed, we will issue a pro rata refund of the fees paid for the period following cancellation to the payment method charged for your auto-renewal. (c) For subscription or other recurring fees or charges, by entering your credit card details into the App, you agree to such fees and charges, and authorise us to charge that credit card in accordance with these Terms of Use for future fees and charges under these Terms of Use. You also consent that your credit card information will be saved and stored by us (or our service providers) for such future transactions. (d) A surcharge may apply for the use of certain credit cards, in which case you will be notified at the time you enter your credit card details. (e) Subject to you paying the subscription fee, we will provide our App to you in accordance with these Terms of Use and all applicable laws for the period of your chosen subscription. (f) Invoices will be issued after we have successfully processed your payment from your credit card, for the subscription fee for your chosen subscription period. (g) All invoices will be delivered to the contact details nominated on your account in the App. 7.3 Changes to Subscription Fees (a) We may change the subscription fees at any time by providing you with at least 30 days’ notice unless the subscription fees are reduced in which case no minimum notice period applies. Such changes will apply at the end of your then current subscription term. (b) If you are not happy with any such changes to the subscription fees, you may cancel your subscription in accordance with clause 6(a), with such cancellation taking effect at the end of your current subscription term.

(a) THE APP AND ALL OUTPUTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY OF ANY KIND. To the maximum extent permitted by law, we expressly disclaim all warranties, representations, and conditions of any kind, whether express, implied, or statutory, including without limitation any implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, currency, title, or non-infringement. All express or implied guarantees, warranties, representations, statements, terms and conditions relating to these Terms of Use and the App that are not contained in these Terms of Use are excluded to the maximum extent permitted by law. (b) In particular, and without limiting paragraph (a): (i) while we endeavour to provide convenient and functional App, we do not guarantee that your requirements will be met, or that your use of the App will be uninterrupted, error free, that the App is free of viruses or other harmful components, that Outputs will ensure regulatory compliance, or that regulatory data will always be current or complete; (ii) we cannot be responsible for any loss, corruption or interception of data sent to or from the App which occurs outside of our computer systems (such as those which occur while being sent over the internet); (iii) we do not undertake checks to verify and do not warrant the accuracy, adequacy, completeness, or currency of Outputs or regulatory content from third-party sources. Materials and Outputs analysing or summarising applicable law or regulation will only be current to the date on which they were generated and may not reflect subsequent regulatory changes, legislative amendments, or updated regulatory guidance; (iv) the App uses artificial intelligence and machine learning to analyse regulatory data, generate Outputs, and provide features including regulatory update alerts and key impact summaries (and, for full product subscribers, compliance assessments and document redlines) (“AI Services”). AI systems may not always be accurate or error-free. Authorised Users are solely responsible for verifying, cross-referencing, and independently validating any information provided through the AI Services before acting on or relying upon it; (v) the App and its Outputs are provided for reference and information purposes only and are not intended, nor should they be used, as a substitute for professional advice or judgement, or to provide legal advice with respect to particular circumstances. Nothing in the App, its Outputs, or any content made available through the App creates a solicitor-client relationship, a compliance advisory relationship, or any other professional relationship between you and us; (vi) we compile some of our regulatory data and Materials from content prepared by third parties. We do not verify that all third-party content is accurate or free of omissions, and we may not be authorised to amend such content prior to publication. We will use commercially reasonable endeavours to engage third-party data providers with appropriate skills and expertise, but we make no representation or warranty as to the accuracy, completeness, or currency of third-party content; and (vii) we do not undertake to keep the App updated with all regulatory changes in real-time or provide regulatory advice or interpretation. Any information you submit to the App is not treated as confidential by reason of its submission, and no professional obligation of confidence arises from your use of the App. (c) We recommend that, to the extent possible, you install and use up-to-date anti-virus, anti-spyware and firewall software on your mobile phone, computer or other device you use to access the App and that you regularly backup User Content. (d) Nothing in these Terms of Use excludes, restricts or modifies any guarantee, term, condition, warranty, or any right or remedy, implied or imposed by any law or legislation which cannot lawfully be excluded or limited, including the Australian Consumer Law which contains guarantees that protect the purchasers of goods and services in certain circumstances. (e) If any guarantee, term, condition or warranty is implied into these Terms of Use under the Australian Consumer Law or any other applicable legislation (a Non-Excludable Provision) and we are able to limit your remedy for a breach of the Non-Excludable Provision, then our liability for breach of the Non-Excludable Provision is limited to one or more of the following at our option: (i) in the case of goods, the replacement of the goods or the supply of equivalent goods, the repair of the goods, the payment of the cost of replacing the goods or of acquiring equivalent goods, or the payment of the cost of having the goods repaired; or (ii) in the case of services, the supplying of the services again, or the payment of the cost of having the services supplied again. (f) Subject to paragraphs (g) and (h) and our obligations under the Non-Excludable Provisions, and to the maximum extent permitted by law, each party’s maximum aggregate liability to the other party for all claims under or relating to these Terms of Use or the App is limited to an amount equal to the greater of total subscription fees you have paid to us in the 12 month period immediately prior to the first such claim, and AUD 5,000. This clause does not apply to limit your liability for breach of clauses 3(e) or 3(f)(ii) or either party’s liability under any indemnity under these Terms of Use, each of which is unlimited. (g) Subject to any obligations under the Non-Excludable Provisions, and to the maximum extent permitted by law, the parties are not liable for, and no measure of damages will, under any circumstances, include: (i) special, indirect, consequential, incidental or punitive damages; or (ii) damages for loss of profits, revenue, goodwill, anticipated savings or loss or corruption of data, or regulatory fines, penalties, or enforcement actions. (h) One party’s liability to the other party is diminished to the extent that the other party’s acts or omissions (or those of a third party) contribute to or cause the loss or liability. (i) Each party must use its reasonable efforts to mitigate any loss it may suffer in connection with these Terms of Use. (j) The exclusions and limitations of liability in this clause apply regardless of the basis on which such liability arises, whether in contract, breach of warranty, tort (including negligence), in equity, under statute, under an indemnity or on any other basis.

(a) In using the App, you may give us personal information. (b) By using the App, you: (i) must ensure that you are permitted to provide us with any personal information you provide to us (including in User Content), and that you have made any disclosures or obtained any consents necessary under the Privacy Act 1988 (Cth) and any other privacy laws in Australia or any jurisdiction applicable to the use of the App in accordance with these Terms of Use; and (ii) you grant us consent to collect, store, use and disclose such personal information as permitted by the Privacy Act 1988 (Cth), any other applicable privacy laws, and/or our privacy policy, which can be found at www.complaico.com (c) Subject to these Terms of Use, we will store and disclose personal information in various locations worldwide in connection with the provision of the App, including as set out in our privacy policy.

Neither party will be liable for any failure or delay in performing any of its obligations under these terms if such delay is caused by circumstances beyond that party’s reasonable control. This may include any failure or outage experienced by our hosting provider or regulatory data providers. This clause does not apply to any failure to pay invoices.

(a) If any part of these Terms of Use is held to be unenforceable, the unenforceable part is to be given effect to the greatest extent possible and the remainder will remain in full force and effect. (b) These Terms of Use are governed by the laws of New South Wales, Australia, and you irrevocably submit to the exclusive jurisdiction of the courts of New South Wales, Australia. (c) Nothing in these Terms of Use limit any liability either party may have in connection with any representations or other communications (either oral or written) made prior to or during the term of these Terms of Use where such liability cannot be excluded (including under section 18 of the Australian Consumer Law). Subject to the foregoing, these Terms of Use constitute the entire agreement between us and you in relation to the App and the subject matter of these Terms of Use and supersede all other (prior or contemporaneous) communications or displays whether electronic, oral, or written, between us and you in relation to the App. (d) Your use of the App is conducted electronically and you agree that we may communicate with you electronically for all aspects of your use of the App, including sending you electronic notices. (e) The provisions of these Terms of Use which by their nature survive termination or expiry of these Terms of Use will survive termination or expiry of these Terms of Use. (f) No waiver, delay or failure by us to take any action will constitute or be construed as a waiver of that or any other term, condition, option, privilege or right we may have. (g) The word “including” when used in these Terms of Use is not a term of limitation.